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cover of episode "I make $180k and have 2 kids, can I justify my $200 Pilates membership?"

"I make $180k and have 2 kids, can I justify my $200 Pilates membership?"

2025/4/25
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky

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Dana Miranda
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Jean Chatzky
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Jean Chatzky: 我认为很多针对女性的消费,特别是那些被认为是自我关怀的消费,常常被贴上奢侈品的标签,而不是必需品。这是一种普遍的现象,我们应该重新审视这种观念。 很多女性在进行这些消费时,会感到内疚或羞愧,这其实反映了我们社会对女性消费观念的误解。我们需要改变这种刻板印象,鼓励女性优先考虑自身的身心健康。 在财务规划中,我们应该将自我关怀的消费纳入考量,而不是一味地将其排除在外。只有这样,才能实现真正的财务自由和身心健康。 Dana Miranda: 我同意Jean的观点。很多女性在进行自我关怀消费时,会感到内疚或羞愧,这其实反映了我们社会对女性消费观念的误解。 我们需要改变这种刻板印象,鼓励女性优先考虑自身的身心健康。在财务规划中,我们应该将自我关怀的消费纳入考量,而不是一味地将其排除在外。 对于那些经济条件允许的女性来说,将一部分收入用于自我关怀,例如健身、美容等,是完全合理的。这不仅能够提升身心健康,也能提升生活质量。 当然,在进行这些消费时,也需要注意控制预算,避免过度消费。我们可以根据自身的财务状况,制定合理的消费计划,确保在满足自身需求的同时,也能保证财务的稳定。

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In this special Mailbag episode, we welcome back personal finance expert Dana Miranda, author of You Don’t Need a Budget, to tackle your most pressing money questions. From navigating early retirement goals to rebuilding credit post-divorce to whether or not you can justify your boutique Pilates membership, we’re getting real about money, self-care, and financial freedom.

Mailbag Questions:

01:00 “I’m 58, burnt out, and want to retire early; is $200k saved enough?”

07:00 “Should I use my 401(k) to pay off $70K in debt?”

**13:00 **“Can I afford to work part-time post-divorce, or do I need to look for a full-time job?”

20:00 “I make $180k and have 2 kids, is $200 a month too much for a gym membership?”

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